JDZ
ActiveSummary
JDZ has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €368k and a net result of €69k. Equity is growing by ~24.7% per year across the filed fiscal years. Its solvency ranks better than 90% of 13305 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-12
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 8.86 against 6.39 in 2024; short-term debt: 10.6% and cash: 42% of total assets), and 20.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
79.4%
Return on assets
14.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
20 d late
2024
26 d late
2023
30 d late
2022
24 d late
2021
28 d late
2020
58 d late
2019
24 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€368k▲ 22.9%
2024 · €299k
2018: €106k
2019: €93k
2020: €100k
2021: €103k
2022: €152k
2023: €214k
2024: €299k
2018 → 2025
Total assets
€463k▲ 32.9%
2024 · €349k
2018: €174k
2019: €148k
2020: €124k
2021: €136k
2022: €180k
2023: €261k
2024: €349k
2018 → 2025
Net result
€69k▼ 19.4%
2024 · €85k
2018: €14k
2019: €-13k
2020: €7k
2021: €13k
2022: €50k
2023: €62k
2024: €85k
2018 → 2025
Working capital
€386k▲ 46.8%
2024 · €263k
2018: €91k
2019: €78k
2020: €88k
2021: €93k
2022: €151k
2023: €211k
2024: €263k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€103k-€152k▲ 48.7%€214k▲ 40.7%€299k▲ 39.6%€368k▲ 22.9%
Operating result€12k-€66k▲ 435%€75k▲ 13.5%€118k▲ 57.0%€96k▼ 18.9%
Net result€13k-€50k▲ 288%€62k▲ 24.3%€85k▲ 37.0%€69k▼ 19.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €463k
Fixed assets
€29k ▼ 23.0%
Current assets
€435k ▲ 39.6%
Equity and liabilities €463k
Equity
€368k ▲ 22.9%
Debt
€95k ▲ 94.0%
Debt's share of the balance-sheet total rises from 14.1% to 20.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€104k▼
2024 · €122k
Cash flow
€77k▼
2024 · €89k
Current ratio
8.86▲
2024 · 6.39
Debt to equity
0.26▲
2024 · 0.16
ROE
18.6%▼
2024 · 28.4%
ROA
14.8%▼
2024 · 24.4%
Interest coverage
48.43▼
2024 · 241.49
Debt ≤ 1 year
€49k▲
2024 · €49k
Debt > 1 year
€46k
Income taxes
€25k▼
2024 · €33k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€349k€463k▲
Fixed assets21/28€37k€29k▼
Tangible fixed assets22/27€37k€29k▼
Furniture and vehicles24€37k€29k▼
Current assets29/58€311k€435k▲
Stocks and contracts in progress3€21k-
Stocks30/36€21k-
Amounts receivable within one year40/41€111k€236k▲
Trade receivables40€62k€108k▲
Other amounts receivable41€49k€129k▲
Cash at bank and in hand54/58€179k€195k▲
Deferred charges and accrued income490/1€400€4k▲
Equity and liabilities
Total equity and liabilities10/49€349k€463k▲
Equity10/15€299k€368k▲
Contributions10/11€6k€6k=
Reserves13€260k€310k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€258k€308k▲
Profit (loss) carried forward14€33k€52k▲
Amounts payable17/49€49k€95k▲
Amounts payable after more than one year17-€46k
Financial debts170/4-€46k
Amounts payable within one year42/48€49k€49k▲
Current portion of amounts payable after more than one year42-€14k
Trade debts44€31k€18k▼
Suppliers440/4€31k€18k▼
Taxes, remuneration and social security45€18k€16k▼
Taxes450/3€13k€16k▲
Remuneration and social security454/9€5k-
Accrued charges and deferred income492/3€364€305▼
Income statement
Code20242025
Non-recurring operating income76A€4k€11k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€9k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€124k€106k▼
Operating profit (loss)9901€118k€96k▼
Financial income75/76B€1k€86▼
Recurring financial income75€1k€86▼
Financial charges65/66B€506€2k▲
Recurring financial charges65€506€2k▲
Profit (loss) for the period before taxes9903€118k€94k▼
Income taxes67/77€33k€25k▼
Profit (loss) for the period9904€85k€69k▼
Profit (loss) for the period to be appropriated9905€85k€69k▼
Appropriation of the result
Profit (loss) to be appropriated9906€103k€102k▼
Profit (loss) brought forward from the previous period14P€18k€33k▲
Transfer to equity691/2€70k€50k▼
To other reserves6921€70k€50k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
03-08
State Gazette act
Resignations: DEZUTTER Jimmy (statutory director) and WASNAIRE Manuel (manager)Appointment: WASNAIRE Manuel (non-statutory director) · Statutes amendment · Purpose change10 facts ▸
State Gazette act
Resignations: DEZUTTER Jimmy (statutory director) and WASNAIRE Manuel (manager)
Appointment: WASNAIRE Manuel (non-statutory director) · Statutes amendment · Purpose change10 facts ▸
- General meeting, 10-07-2026
- Statutes amendment
- Purpose change, De vennootschap heeft tot voorwerp, in België en in het buitenland, voor eigen rekening, voor rekening van derden of voor gezamenlijke rekening met derden de ac…
- Director resignation, DEZUTTER Jimmy (statutory director)
- Director resignation, WASNAIRE Manuel (manager)
- Director appointment, WASNAIRE Manuel (non-statutory director)
- Mandate compensation, WASNAIRE Manuel
- Power of attorney, WASNAIRE Manuel
- Capital
- Capital conversion, Werkelijk gestort kapitaal en wettelijke reserve omgezet in statutair onbeschikbare eigen vermogensrekening, onmiddellijk opgeheven en beschikbaar gemaakt voor…
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Highest result since 2018net €85k ▲37%
Operating result €118k, net result €85k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €200kEq €214k ▲40.7%
4 profitable years in a row build equity to €214k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Equity above €150kEq €152k ▲48.7%
3 profitable years in a row build equity to €152k.
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
31-12
Financial
Equity above €100kEq €103k ▲2.9%
2 profitable years in a row build equity to €103k.
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 58 days late
2020
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
Show earlier events
31-12
Financial
Liquidity doublescurrent ratio 7.76
Current ratio from 3.12 to 7.76; short-term debt falls from €37k to €13k.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
31-12
Financial
Weakest financial yearnet €-13k ▼193%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 24 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
03-08-2026
WASNAIRE Manuel: Resigned as Manager
10-07-2026
WASNAIRE Manuel: Appointed as Non-statutory director
13-02-2007
DEZUTTER Jimmy: Resigned as Statutory director
Location & real-estate footprint
Registered office, Knokke-Heist · 1 establishment unit since 1996
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Dorpsstraat 818300 Knokke-HeistGround area
1,510 m²
Building footprint
1,133 m²
Volume, LiDAR
9,842 m³
2 parcels, Flanders · tallest building 23.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JDZ
since 19962.079.369.501
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31333H0100/00A000 | Flanders | 1,017 m² | 1 · 1,003 m² | 23.6 m · 1 fl. |
| 31039E0466/00M000 | Flanders | 494 m² | 1 · 130 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Articles of association
Purpose
De vennootschap heeft tot voorwerp, in België en in het buitenland, voor eigen rekening, voor rekening van derden of voor gezamenlijke rekening met derden de activiteiten hierna…
Full purpose
De vennootschap heeft tot voorwerp, in België en in het buitenland, voor eigen rekening, voor rekening van derden of voor gezamenlijke rekening met derden de activiteiten hierna gemeld, behoudens wettelijk of reglementair verbod: - het verlenen van alle vormen van management en dienstverlening... [full text follows]
Structure & network
Capital and shareholders
Capital over the years
- 03-08-2026 Capital stated in the act · 750 shares
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't HOEKSKE VAN WALEM
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MBN CONSULTING
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NON SUCH
BE 0463.228.250
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Of 14,018 companies in sector 56301 we hold annual accounts for 4,891. 2,378 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-1996
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.